How much money can I borrow?

We can help you get the money you need. We offer loans that can help you consolidate debts, make home improvements and repairs, pay for a special occasion like a wedding or once-in-a-lifetime trip and pay medical bills and other unexpected expenses.

We offer loans up to $25,000, but maximum loan amounts vary by state, so check with your local OneMain Financial loan branch to find out how much you can borrow.
Get your money quickly. You can get your money as soon as same day if approved by noon.*
The application is straightforward. There are three ways you can apply—online, at your local OneMain Financial branch, or by phone at 855-877-6246. We're here and ready to help if you have any questions while completing your application.
There's a 7 Day Satisfaction Commitment. If you decide that a personal loan isn't the option for you, you can cancel for any reason and return the money within 7 days of opening a new loan. No penalties. No questions asked. The 7 Day Satisfaction Commitment does not apply to renewals.

How do I qualify for a personal loan?


We consider a range of factors when determining eligibility, including:

  • Your financial history
  • Your credit history
  • Your income and expenses
  • Whether you have ever filed for bankruptcy

These factors help determine your eligibility for the loan and the fixed rate you qualify for. You will also need to be at least 18 years old (or the legal age of a majority on your state) and a resident of the U.S.

Have questions or want to know more?


If you have questions, talk to us. Whether you want to know more about the loans we offer, need help completing your application or want to know what you need to qualify for a personal loan, we have the answers. Get in touch with us online, by phone or at your local branch.

How much do you need to reach your goals?

Loan offers are subject to credit approval and other restrictions and requirements may apply. OneMain Financial loan proceeds cannot be used for college, university, or vocational expenses, including tuition, fees, and required equipment and supplies; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities. The actual loan amount and rate you qualify for will depend on your ability to meet our credit criteria including credit history, income and debts.

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